| Metric | This bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +0.2% | +4.4% | -4.2 pts |
| Deposit growth (YoY) | -1.4% | +4.0% | -5.3 pts |
| Loan growth (YoY) | +5.0% | +5.6% | -0.6 pts |
| ROA | 1.27% | 1.24% | +0.0 pts |
| ROE | 10.2% | 11.9% | -1.6 pts |
ROA ranks in the 52nd percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $216.7M | $187.1M | $180.3M | $27.7M | $1.4M | 1.27% | 4.51% | 0.24% |
| Q1 2026 | $215.5M | $186.4M | $174.7M | $27.1M | $706K | 1.29% | 4.45% | 0.34% |
| Q4 2025 | $221.3M | $193.2M | $175.0M | $26.4M | $2.3M | 1.07% | 4.20% | 0.39% |
| Q3 2025 | $214.1M | $186.6M | $170.5M | $25.6M | $1.6M | 0.99% | 4.16% | 0.42% |
| Q2 2025 | $216.3M | $189.7M | $171.8M | $24.7M | $991K | 0.93% | 4.09% | 0.42% |
| Q1 2025 | $210.5M | $181.1M | $168.3M | $24.0M | $489K | 0.92% | 4.04% | 0.52% |
| Q4 2024 | $212.8M | $187.8M | $166.8M | $23.2M | $1.2M | 0.58% | 3.52% | 0.50% |
| Q3 2024 | $207.1M | $176.9M | $162.4M | $23.3M | $772K | 0.50% | 3.42% | 0.60% |
Loan mix (Q2 2026): real estate $161.0M · commercial $12.4M · consumer $7.1M · securities $16.4M
Nothing unusual in Q2 2026 — steady quarter.
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.27% | 1.24% | 52th | |
Return on equity Annualized net income ÷ equity or net worth | 10.2% | 11.9% | 40th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.51% | 3.96% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 65.7% | 62.9% | 59th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Value | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
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